Cheap SR22 Insurance

By Shadow Boxer

Do you need guidance with your drunk driver insurance? If you have been convicted of driving under the influence and your car insurance provider has canceled your coverage you really need to get help, and get it soon

People screw up, but auto insurance companies are not in the business of helping people overcome their obstacles and get back on their feet.

Drunk driving insurance in hard to get don't get my wrong, but it is not totally impossible. It seems that the media, and the police in general are trying to make a statement to the public that drunk driving has serious financial consequences.

This all comes at a time when Driving Under the Influence or (DUI / DWI) arrests and alcohol related convictions are reported to increase dramatically this due in part to recent large scale job lay offs, business closures, investment scares, and the overall dismal U.S & global economic mood, as studies that date back as far as 2001

Many people find it difficult to get their driver's license back after being arrested or convicted for DUI/ DWI. Finding a able and willing insurance carrier or attorney to file an SR-22 certificate for them poses an even bigger challenge, as not all insurance companies in every state requiring an SR-22 are allowed to do so.

Only a handful of insurance carriers and websites provide individuals the ability to search and compare DUI accepted car insurance rates within their respective cities or states that can help them file an SR-22 form. This also allows them to search around for lower cost car insurance premiums and be able to compare rates from many different companies conveniently and in real time.

The SR22 certificate is basically a form submitted by an authorized car insurance carrier on behalf of a driver or car owner seeking auto insurance coverage. This certificate will then be handed over to the states DMV office and gives proof of that driver's financial capability.

This form basically says that the car insurance carrier will pay anyone that may be injured as well as properties they may damage in case of an car accident.

This is a very effective method for the state to monitor drivers with histories of unsatisfactory driving habits and violations.

Drunk driving is still one of the nations most complex problems. It is also one of the main reasons for filing an SR-22. Punishments and fines for this kind of violation remains severe, especially for repeat offenders.

Many states will also require an SR-22 auto insurance coverage to be maintained for two or three years, some even require individuals to continue maintaining their status even after moving to another state.

I encourage anyone required to carry this special form of car insurance to start comparing rates today and don't take no for an answer.

About the Author:

There is one site that I highly recommend to get a rate quote, and it was the easiest and fastest I found on the Internet....so you might want to try it out for yourself DUI Insurance.

The Importance Of Car Insurance

Is car insurance really that important? Of course it is! To majority of the new drivers it seems like a burden than benefit due to the increase in premium they have to pay. Whether you like it or not, it is compulsory for you to have it if you want to drive a car.The compulsory car insurance will only covers the owner's vehicle and other vehicles involved in the accident. Purchasing a car insurance will not prevent you from accident but somehow having car insurance is to lighten your burden in case of an accident. In this hectic world, there are countless of road accident happening everyday.People are getting more impatient nowadays, well, some may blame it to the global warming, some may blame it on the economic situation. It is illegal to drive without a car licence and a car insurance. In most countries, if you are caught for driving without a car insurance,not only that your car will be compounded but your driving licence will be suspended for a certain period of time. Should an accident occur, car insurance will also protects you from your personal liabilities aside from the legal requirement.

Car insurance advice

By Tom Martens

If you own and drive a car, you need car insurance. But how do you know what policy to buy?

First of all, it's essential to know what your policy covers and what it doesn't. Almost any policy will give you the minimum liability coverage, but you may need more coverage to protect your income and assets. You may need coverage to fit your unique driving habits or history. You also need to sure your policy will repair or replace your car if it's damaged in a crash, and everybody needs towing. While you are shopping around, it's very helpful to have a written record of any quote you are given for the coverage you need. This will keep the agent from trying to raise your price if you come back to them for the policy.

If you own a home or have life insurance, bundle your policies. That means you purchase all your insurance policies from the same provider. This can provide significant savings on all your insurance policies, and it simplifies your life because you are dealing with one insurance provider for all your needs instead of several insurance providers.

One of the major factors in computing how much you pay for auto insurance is where you live. Generally, coverage is more expensive in urban centers than in rural areas, especially if you own an expensive car. The more expensive your car, the more expensive your insurance. When buying a new car, you will also want to check your car's safety rating. Safer cars are less expensive to insure, while any kind of customization or "flash" will drive insurance costs up.

Ask your agent what kinds of discounts may be available to you. There may be breaks for members of the military, women, seniors, households with multiple drivers, and holders of bundled policies. You may get a reduction on your premium if you belong to certain clubs and organizations, like the AARP. If you have a teen driver who is a good student, ask about good student discounts. Insurers view good students as lower-risk, and charge lower premiums. Your teenager may also get you a substantial reduction in premium costs if he or she takes defensive driving or a basic driver ed course.

Finally, it's always a good idea to shop around. Get multiple quotes on your auto coverage. There's always a possibility that another company will offer you better coverage at a lower price?it happens all the time. The insurance companies make it easier to shop around that it used to be, especially if you are comfortable looking for coverage on the Internet. Do you research to find out the discount programs that may save you money, the risk assessment for your neighborhood, and the safety rating of your vehicle? Going to your insurance broker armed with information makes it much more likely you will get the lowest possible rates.

Regardless of your car insurance needs, contact a qualified insurance provider. They can examine your situation and answer whatever questions you may have before tailoring a car insurance policy that meets your needs and provides the coverage you want. Car insurance may be required, but you also want a policy that meets your driving needs.

About the Author:

Tom Martens is the content syndication coordinator for Carinsurancesa.co.za. South Arica?s leading car insurance portal.